Physician Group at Neo Home Loans
“Impossible” Physician & Medical-Professional Home Loans
When banks say NO… NEO says yes!
Get Pre-Approved in Minutes: https://www.medicalprofessionalhomeloans.com/wcihomeloans/
Who We Specialize In
- Newly 1099 doctors, dentists, PAs, NPs, CRNAs, therapists, vets
- Clinicians who just bought into or started a private practice (no K-1 history)
- Self-employed professionals with multiple / irregular income streams (locums, tele-med, consulting)
- High student-loan balances, credit blemishes, or limited reserves
- Unique property purchases—non-warrantable condo, acreage, mixed-use, etc.
(If another lender has already said “no,” you’re in exactly the right place.)
Who Should Use a Conventional Lender Instead
- W-2 physicians with stable paystubs, ≥20 % down, 780+ FICO
- Buyers of plain-vanilla tract homes needing zero creative structuring
- Shoppers already fully approved elsewhere who only want to shave ⅛ percent off the rate
Loan Officers
STATES: AZ, CA, CO, FL, GA, PA, TX, UT, WA
EMAIL: [email protected]
PHONE: 855-260-9932
Terms:
- Up to 100 % financing on physician loans to $1 M
- 0–5 % down jumbos, no PMI
- Credit scores down to 580 on select programs
- Gift funds and business assets allowed for down payment
Professions:
MD, DO, DDS, DMD, Resident, Fellows, PA, NP, DVM, RN, CRNA, DPM
Strengths:
Why NEO Says “YES”
| Your Hurdle | Our Solution |
| Less than 12 months of 1099 income | Future-contract & projected-income underwriting |
| Complex K-1s & write-offs | Cash-flow analysis that looks forward |
| High student-loan debt | Special DTI treatment & PSLF alignment |
| Time-sensitive purchase | Closings in as little as 14 days |
| Credit blemishes | Fico scores down to 580 |
“After two big banks declined us for lack of 1099 history, NEO approved our $1.4 M jumbo and closed in 16 days.”
— Dr. Lance ⭐⭐⭐⭐⭐
Your 3-Step Plan
- Schedule a 15-Minute Strategy Call
- Upload Your Story (contract, practice paperwork, locums schedule)
- Close With Confidence—and move in on your timeline
Start Now: https://www.medicalprofessionalhomeloans.com/wcihomeloans/
Stop Letting “No” Define Your Home-Buying Journey
Join thousands of White Coat Investor readers who turned complex finances into confident home ownership with NEO.